Property Type: Detached HouseOwnership: Freehold

2162 Stelly's Cross Rd

Central Saanich, BC V8M1M3

$1,169,000

4 bed3 bath2 parking2,212 sqftBuilt 1988
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Property Details

Property & Lot

Sub-type
House
Lot size
9,301 square feet
Zoning
Residential

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Strata / maintenance fee
$0/mo
Annual property tax
$6,374.07

Interior

Heating
Baseboard heaters, Electric
Cooling / A/C
None
Fireplace
Yes (1)

Exterior & Lot

View
Mountain view, Valley view

Parking

Total spaces
2

Room Dimensions

RoomLevelDimensions
PatioLower level
BathroomAdditional AccommodationX
BedroomAdditional Accommodation
EntranceLower level
Living roomMain level
Dining roomMain level
KitchenMain level
Primary BedroomMain level
EnsuiteMain level3-Piece
BedroomMain level
BedroomMain level
BathroomMain level4-Piece
Laundry roomLower level
DenLower level
EntranceLower level
Living roomAdditional Accommodation
KitchenAdditional Accommodation

Listing Information

MLS®
1040652
Listed
June 18, 2026
Time on market
On the market for 74 days
Data last synced
August 28, 2026

Listing provided by: eXp Realty · Data source: CREA DDF.

Description

Welcome to 2162 Stelly's Cross Road, a 2,212 square foot home with a self-contained suite in the heart of Central Saanich. The main level offers comfortable family living with a kitchen, separate dining room, and a living room anchored by a fireplace, along with three bedrooms including a primary with walk-in closet and three-piece ensuite. A generous private deck off the main floor overlooks the surrounding greenery with ocean glimpses and makes an easy spot for summer entertaining. Downstairs, a one-bedroom suite with its own entry, eat-in kitchen, living room, and four-piece bath adds flexibility for extended family or rental potential, with buyer to verify suite status and permitting. A dedicated office, laundry room, and double garage round out the lower level, while two separate yards and a large covered patio extend the usable outdoor space. The home has good bones and presents a clear opportunity to add value through cosmetic updates over time. The location is well suited to commuters and families, with Saanichton, Brentwood Bay, and Sidney all close at hand, plus the Saanich Fairgrounds, Panorama Recreation Centre, Keating amenities, and Butchart Gardens nearby. An affordable entry into the Central Saanich market with genuine investment potential. (id:63159)

Values & Trends

This listing

$528/sqft

Building average

No other active listings in this building

Saanichton average

$718/sqft

8 active listing(s)

Parking: 2 stall(s) includedStorage locker: Not indicated

Per-stall/locker dollar values aren't itemized in our data source — shown as included/not indicated only, not a fabricated estimate. $/sqft averages are computed live from other active listings, not a third-party model.

Location Insights

Weather

Nearest station: Victoria (Hartland)

Mainly Clear

16°C

Mainly Clear

Humidity 73%

Wind S 6 km/h

Tonight

12°

Tuesday

19°

Tuesday night

13°

Wednesday

15°

Wednesday night

11°

Thursday

15°

Source: Environment and Climate Change Canada.

Population

17,385

(2021 Census)

+3.4% since 2016

Density: 422/km²

Dwellings: 7,621

Median household income: $103,000

After-tax: $90,000

Immigrant population: 16.2%

Top countries of origin (% of total population)

  • United Kingdom5.3% · 920
  • United States of America1.6% · 280
  • India0.9% · 165
  • Philippines0.9% · 160
  • Germany0.9% · 150
  • Netherlands0.7% · 120
  • South Africa, Republic of0.6% · 110
  • China0.3% · 55

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

11

2/9 categories nearby

Transit

Not enough data yet

How this is calculated

Amenities: points awarded per category (restaurants, cafes, grocery, parks, shopping, gyms, pharmacies, banks/ATMs, healthcare) based on distance to the nearest one — 3 points under 200m, 2 points under 500m, 1 point under 800m — summed across all 9 categories and scaled to 0–100.

Transit: based on the number of transit stops within 800m and their mode (SkyTrain weighted highest, then streetcar/ferry, then bus). This reflects stop type and count only — our data doesn't include how often a route actually runs, so frequency is never factored in.

Both scores depend on how much of the surrounding area has been synced from OpenStreetMap and TransLink's GTFS feed. A lower score can mean fewer amenities nearby, or simply that this area hasn't been fully synced yet — not a confident measurement of the location itself.

Nearby Schools

SchoolTypeDistance
Keating ElementaryElementary1.5 km
Stelly's SecondarySecondary1.6 km
SD 63 Individual Learning CentreSecondary2.4 km
Brentwood ElementaryElementary2.8 km
Bayside Middle SchoolMiddle3.4 km
ḰELSET ElementaryElementary5.2 km
Lakeview Christian School(Independent)Elementary/Middle5.6 km
Cordova Bay ElementaryElementary6.6 km

Schools shown by distance from this property. This does not indicate school catchment or enrollment eligibility — contact the school district to confirm catchment boundaries.

Nearby Transit

No TransLink stops within an ~10-minute walk.

Nearby Places

Grocery (1)

  • Silver Rill Corn & Produce Market · 7117 Central Saanich Road761 m

Parks (3)

  • Seamount Park351 m
  • Unnamed469 m
  • Seabrook Park471 m

Nearby places data: © OpenStreetMap contributors.

School district: Saanich (SD63)

Mortgage & Ownership Cost Calculator

Minimum required: 7.9% ($91,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$935,200.00
Periodic payment — Principal & Interest (monthly)$6,033.59
Additional monthly expenses (strata, tax, utilities, etc.)$642.17
Total monthly cost$6,675.77
Interest paid over 5-yr term$268,031.01
Balance at end of term$841,215.42

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$91,900
Stress test qualifying rate8.09%
Payment you must qualify for$8,282.52

Cash Needed at Closing

Minimum down payment$91,900
Estimated BC PTT$21,380
Legal / closing costs (typical estimate)$1,500
Total cash needed$114,780

Minimum down payment: 5% on the first $500,000, 10% on the portion up to $1.5M, 20% at/above $1.5M. Stress test: OSFI's minimum qualifying rate, the greater of contract rate + 2% or 5.25% — this is what lenders require you to qualify at, not what you'll actually pay. Closing costs are a typical-range estimate, not a quote — actual legal fees vary. Verify all figures with a mortgage broker and lawyer before relying on them.

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